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Kentucky Medicare Advantage Plan Options – Top Choices in 2022

Are you searching for the best Medicare Advantage plans in Kentucky for 2022? Becoming enrolled in Medicare Part A and Medicare Part B is an exciting time in your life, and it’s also a time when you should take action and look into things like Medicare Advantage. Medicare Advantage plans in Kentucky are designed for people who are eligible for Medicare and who are looking for replacement plans for Medicare.

What is Medicare Advantage in Kentucky?

Known as Part C or “MAPD,” Medicare Advantage in Kentucky is a Medicare plan that contains three parts in one plan: hospital insurance, medical insurance, and a prescription drug plan.

Where Original Medicare is made up of Medicare Part A and Medicare Part B, Medicare Part C or Medicare Advantage is made up of Part A, Part B, and Part D. This plan has is provided by private health insurance companies and has additional coverage and benefits that Original Medicare and other plans do not.

Benefits and coverage options include:

  • Vision and hearing
  • Dental and Over the Counter Prescription Allowance
  • SilverSneakers
  • Meal Delivery
  • Transport to medical appointments

With a Medicare Advantage plan in Kentucky, Medicare beneficiaries will have a network service area to serve them. They will have their own primary care physician, hospital, and any other facilities to choose from in the network.

For those with either a disability or End-stage Renal Disease, enrollment into a Medicare Advantage plan in Kentucky can occur before 65.

What is the Best Medicare Advantage plan in Kentucky in 2022?

Best for network freedom: Medicare Advantage PPO 

PPO plans will have larger networks with no referrals and monthly premiums ranging from $0 to $100.

Best for lowest out-of-pocket: Medicare Advantage HMO 

HMO Plans use a referral network, most companies offer $0 monthly premiums.

Best for low income or health conditions: Medicare Advantage D-SNP

Dual eligible SNP is for those that have both Medicare and Medicaid, a severe or disabling chronic condition, you need nursing home level care, or entering a facility that qualifies for SNP coverage. The D-SNP plan works with an individual’s Medicaid plan and helps with expenses for:

Part B premium
Copays
Coinsurance
Deductibles
Monthly premiums

What Medicare Advantage plans are available in Kentucky?

Private insurers sell 98 Medicare Advantage plans in Kentucky. The breakdown by number of participants is: 

Local HMO: 63,792

Local PPO: 149,323

PFFS: 1,438

Regional PPO: 49,551

How much does Medicare Advantage cost in Kentucky?

HMO and PPO plans in most states cost $0 per month. It is more common, however, for PPO plans to have a premium.

In the state of Kentucky, a plan will vary from one service area to another.

The average MA monthly premium is $14.02 in Kentucky. For a Medicare Advantage plan with prescription drug coverage, the average monthly premium would be $44.64.

When can you enroll in a Kentucky Medicare Advantage plan?

Initial Enrollment Period/IEP

Eligibility for IEP occurs at 65, and you can join Medicare Part A and Part B health plans. Enrollment typically occurs within three months of an individual turning 65.

Open Enrollment Period/Annual Election Period

Open Enrollment Period: October 15th until December 7th

During this time, you can join, drop, or make changes to a plan. Coverage for Part C starts the following year on January 1, but only if the plan is completed by December 7th.

Medicare Advantage Open Enrollment Period

January 1st through March 31st

During this enrollment period, you can switch or join Original Medicare or a Medicare Supplement plan.

Special Enrollment Periods/Special Circumstances

Special circumstances could include any of the following:

  • Address changes
  • The plan with Medicare changes
  • Loss of current coverage
  • Coverage through an employer (VA/TRICARE/PACE)
  • Eligibility for both Medicare and Medicaid Extra Help
  • Dropping a Medigap/Medicare Supplement plan
  • State Pharmaceutical Assistance Program enrollment
  • Special needs or disability

5-star Special Enrollment Period

December 8th until November 30th

This star rating enrollment can only be used once for your Kentucky Medicare Advantage plan. Plans are rated with satisfaction surveys. Surveys compare plans based on their quality and performance. The 5-star rating is the highest given to a plan.

Special Enrollment Periods/Extra Help

Extra Help is classified as being eligible for Extra Help, Medicare or Medicaid, or State Pharmaceutical Assistance Program.

When can I make changes to my Medicare Advantage plan?

Annual Election Period: October 15th until December 7th

During this time, you can join, drop, or make changes to a plan. Coverage for Part C starts the following year on January 1rst, but only if the plan is completed by December 7th.

Are Medicare Advantage plans in Kentucky “bad”?

Based on the popularity of Medicare Advantage plans in Kentucky, the plans work well for many Medicare enrollees.

1. Number of people enrollment in Medicare Advantage in Kentucky: 345,202

2. Number enrolled by plan, specifically the three plans below:

Local HMO: 63,792

Local PPO: 149,323

Regional PPO: 49,551

3. Percentage of Medicare beneficiaries enrolled in Medicare advantage in Kentucky: 36%

4. Number of people enrollment in Medicare Advantage nationwide: Expected to reach 29.5 million in 2022

5. Percentage of Medicare beneficiaries enrolled in Medicare advantage nationwide: 42%

Related Topics

Kentucky State Links

Ready to Learn More?

We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Give us a call today, or request a quote online to learn more about plan options.

Key Take Aways
  • In Kentucky, PPO Medicare Advantage Plans are very popular for many Medicare beneficiaries.
  • You can make changes to your Advantage plan each year during the Annual Election Period.
  • You must continue to pay your Medicare Part B Premium with most Medicare Advantage plans.